最有看点的互联网金融门户

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西班牙BBVA集团大手笔收购芬兰金融科技企业Holvi

近日,西班牙大型跨国银行集团BBVA将在线银行业创业企业Holvi收入麾下。Holvi是一家芬兰企业,主营在线现金账户,并为制造业者或实干家(比如小企业、自由职业者、创业企业家)提供相关金融服务。

就在两年前,BBVA还曾以1.17亿美元收购了直销银行Simple,后者利用在线和电话营销服务方式替代了原有的实体银行店面。而去年,BBVA又用4500万英镑(约合6400万美元)购入了英国在线银行Atom 29.5%的股份——鉴于目前Atom还未正式上市,BBVA这笔投资也算是大手笔。

BBVA此举意图明显,就是要通过参股或购买创新企业巩固未来在银行业的地位。

过去几年里,传统银行业中涌现了很多金融科技新面孔,比如Peter Thiel投资的Number26,还有P2P在线转账企业TransferWise。就在两周前,这两家企业各抒所长,将两家企业的业务进行了重新打包。

这样看来,BBVA如此看重金融科技企业也就不足为怪了,大家其实都是想跟得上业内的最新发展速度。未来几个月甚至几年之内,类似的并购肯定会更多,不仅只有BBVA一家,更多的银行业巨头都会参与其中。

Spanish multinational banking giant BBVA has acquired yet another online banking startup in the form of Holvi, a Finnish firm that specializes in providing online current accounts and related services for “makers and doers” — ie small businesses, freelancers, and entrepreneurs. Terms of the deal were not disclosed.

The news comes just over two years after BBVA paid $117 million in the U.S. for Simple, a “direct bank” that replaces physical branches with online and telephone-based support. And last year, BBVA also bought a 29.5 percent stake in U.K.-based online bank Atom for £45 million ($64 million) — a hefty amount considering Atom has yet to open to the public.

The motive behind BBVA’s move could not be clearer — it’s buying into the future of banking by investing in nimble, innovative young companies.

We’re seeing a slew of enterprising fintech startups popping up to try to “unbundle” traditional banking services — Peter Thiel-backed Number26 is one such company, as is peer-to-peer money transfer startup TransferWise. And just two weeks ago, those two companies banded together to “rebundle” services, for a new approach to banking that combines the specialities of multiple startups.

So, it’s not surprising to see BBVA paying special attention to fintech startups — it’s all about staying relevant. We can likely see other such acquisitions come to fruition in the coming months and years — not just from BBVA, but from other giants of the banking world.


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